DAGMAR
ActiveSummary
DAGMAR has been active since 1989 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €20,451 and a net result of -€2,528. Equity is shrinking by ~10.9% per year across the filed fiscal years. Its solvency ranks better than 28% of 4613 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.1% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability33▲+1
Solvency40▼-1
Growth72=
Track record100
Bankruptcy probability, 12 months
0.1%
Very low
0%0.5%1.5%4%10%≥ 25%
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Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Seven signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 68
Relative position
BE, all sectors
reference
Real estate activities (NACE 68)
about 43% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
15.5%
Return on assets
-1.9%
Age of the figures
9 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity is also lower. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€2,528
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 30-07-2026, 1 day ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
1 d early
2024
1 d early
2023
39 d early
2022
190 d early
2021
73 d early
2020
98 d late
2019
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 30 days before the deadline; the sector median for financial year 2024 is 7 days before the deadline, and 36% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today. Usually files around 23 June (4 of the last 5 filed years within 37 days of that day).
Companies Code · seven monthsPosition in the running window
28-09-2026 today31-12-2026 close31-07-2027 deadline
History
Go further with this company
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Financials · fiscal year 2025, full schema
In the rankings
#9 oldest company in Ans, Real estate sector
Turnover
€1,442▼ 13.0%
2024 · €1,657
EBIT margin
-175.3%▲ 4.5pp
2024 · -179.8%
Net result
-€2,528▲ 15.1%
2024 · -€2,979
Working capital
€68,505▼ 13.9%
2020 · €79,531
Trend over the years
Click a name to add, emphasise or remove a line.Band: the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings. Dashed line: the median.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Turnover€2,380▲ 1,090%€2,258▼ 5.1%€2,272▲ 0.6%€1,657▼ 27.1%€1,442▼ 13.0%
Operating result-€4,423▲ 48.5%-€2,871▲ 35.1%-€3,110▼ 8.3%-€2,979▲ 4.2%-€2,528▲ 15.1%
Net result-€4,750within the sector's middle half▲ 45.1%-€2,990within the sector's middle half▲ 37.1%-€3,110within the sector's middle half▼ 4.0%-€2,979within the sector's middle half▲ 4.2%-€2,528within the sector's middle half▲ 15.1%
EBIT margin-185.8%▲ 4110.7pp-127.1%▲ 58.7pp-136.9%▼ 9.7pp-179.8%▼ 42.9pp-175.3%▲ 4.5pp
Equity€26,106below the sector's middle half▼ 15.4%€23,115below the sector's middle half▼ 11.5%€20,451below the sector's middle half▼ 11.5%€22,155below the sector's middle half▲ 8.3%€20,451below the sector's middle half▼ 7.7%
Total assets€148,803below the sector's middle half▼ 7.1%€143,458below the sector's middle half▼ 3.6%€139,928below the sector's middle half▼ 2.5%€135,549below the sector's middle half▼ 3.1%€132,065below the sector's middle half▼ 2.6%
Debt€122,697▼ 5.1%€120,343▼ 1.9%€119,477▼ 0.7%€113,394▼ 5.1%€111,614▼ 1.6%
Working capital€68,505within the sector's middle half▼ 13.9%
Solvency17.5%within the sector's middle half▼ 1.7pp16.1%within the sector's middle half▼ 1.4pp14.6%within the sector's middle half▼ 1.5pp16.3%within the sector's middle half▲ 1.7pp15.5%within the sector's middle half▼ 0.9pp
Return on assets (ROA)-3.2%below the sector's middle half▲ 2.2pp-2.1%below the sector's middle half▲ 1.1pp-2.2%below the sector's middle half▼ 0.1pp-2.2%below the sector's middle half=-1.9%below the sector's middle half▲ 0.3pp
above
within
below
the middle half (P25 to P75) of NACE 68, Real estate activities, each year against the same schema; no band under 30 filings.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €2,528 in 2025 against €2,979 in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €132,065
Fixed assets
€80,104 =
Current assets
€51,961 ▼ 6.3%
Equity and liabilities €132,065
Equity
€20,451 ▼ 7.7%
Debt
€111,614 ▼ 1.6%
Debt's share of the balance-sheet total rises from 83.7% to 84.5%. Equity and debt are lower.
Key figures and ratios
Debt to equity
5.46▲
2024 · 5.12
ROE
-12.4%▲
2024 · -13.4%
Debt > 1 year
€111,614▼
2024 · €113,394
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 2,448 companies that looked in July 2024 the way this one looks now, 1.4% went bankrupt within 24 months and 93% are still going.
- Micro
- 20 years or older
- solvency 10 to 30%
- a small loss
1.4%
went bankrupt
5.0%
stopped otherwise
93%
still going
A further 0.4% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.1% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,662 companies of July 2024 its group's bankruptcy share. Expected: 1.5%; actually bankrupt within 24 months: 1.6%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.4% |
| 3 | 0.5% | 0.5% |
| 4 | 0.6% | 0.7% |
| 5 | 0.8% | 0.9% |
| 6 | 1.2% | 1.3% |
| 7 | 1.5% | 1.7% |
| 8 | 1.7% | 1.7% |
| 9 | 2.7% | 2.8% |
| 10 | 5.3% | 5.7% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 75% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 2,448 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Turnover70 | €2,380 | €2,258 | €2,272 | €1,657 | €1,442 | ▼ 13.0% |
| Goods, raw materials, services and sundry goods60/61 | €6,410 | €5,129 | €5,382 | €4,636 | €3,970 | ▼ 14.4% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €393 | - | - | - | - | - |
| Gross operating margin9900 | -€4,030 | -€2,871 | -€3,110 | -€2,979 | -€2,528 | ▲ 15.1% |
| Operating profit (loss)9901 | -€4,423 | -€2,871 | -€3,110 | -€2,979 | -€2,528 | ▲ 15.1% |
| Financial charges65/66B | €327 | €119 | - | - | - | - |
| Recurring financial charges65 | €327 | €119 | - | - | - | - |
| Non-recurring financial charges66B | - | €119 | - | - | - | - |
| Profit (loss) for the period before taxes9903 | -€4,750 | -€2,990 | -€3,110 | -€2,979 | -€2,528 | ▲ 15.1% |
| Profit (loss) for the period9904 | -€4,750 | -€2,990 | -€3,110 | -€2,979 | -€2,528 | ▲ 15.1% |
| Profit (loss) for the period to be appropriated9905 | -€4,750 | -€2,990 | -€3,110 | -€2,979 | -€2,528 | ▲ 15.1% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €148,803 | €143,458 | €139,928 | €135,549 | €132,065 | ▼ 2.6% |
| Fixed assets21/28 | €80,104 | €80,104 | €80,104 | €80,104 | €80,104 | = |
| Tangible fixed assets22/27 | €80,104 | €80,104 | €80,104 | €80,104 | €80,104 | = |
| Plant, machinery and equipment23 | €80,104 | €80,104 | - | - | - | - |
| Furniture and vehicles24 | - | - | €80,104 | €80,104 | €80,104 | = |
| Current assets29/58 | €68,699 | €63,354 | €59,824 | €55,445 | €51,961 | ▼ 6.3% |
| Amounts receivable after more than one year29 | €62,371 | €58,721 | €55,420 | €50,971 | €47,620 | ▼ 6.6% |
| Other amounts receivable291 | €62,371 | €58,721 | €55,420 | €50,971 | €47,620 | ▼ 6.6% |
| Amounts receivable within one year40/41 | €153 | €284 | €398 | €526 | €380 | ▼ 27.8% |
| Other amounts receivable41 | €153 | €284 | €398 | €526 | €380 | ▼ 27.8% |
| Current investments50/53 | €3,182 | €3,182 | €3,182 | €3,188 | €3,216 | ▲ 0.9% |
| Cash at bank and in hand54/58 | €2,993 | €1,167 | €824 | €760 | €745 | ▼ 2.0% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €148,803 | €143,458 | €139,928 | €135,549 | €132,065 | ▼ 2.6% |
| Equity10/15 | €26,106 | €23,115 | €20,451 | €22,155 | €20,451 | ▼ 7.7% |
| Contributions10/11 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Capital10 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Issued capital100 | €18,592 | €18,592 | €18,592 | €18,592 | €18,592 | = |
| Reserves13 | €7,514 | €4,523 | €1,859 | €1,859 | €1,859 | = |
| Non-distributable reserves130/1 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Legal reserve130 | €1,859 | €1,859 | €1,859 | €1,859 | €1,859 | = |
| Distributable reserves133 | €5,655 | €2,664 | - | - | - | - |
| Profit (loss) carried forward14 | - | - | - | €1,704 | - | - |
| Amounts payable17/49 | €122,697 | €120,343 | €119,477 | €113,394 | €111,614 | ▼ 1.6% |
| Amounts payable after more than one year17 | €122,503 | €120,343 | €119,477 | €113,394 | €111,614 | ▼ 1.6% |
| Financial debts170/4 | €122,503 | €120,343 | €119,477 | €113,394 | €111,614 | ▼ 1.6% |
| Amounts payable within one year42/48 | €194 | - | - | - | - | - |
| Trade debts44 | €194 | - | - | - | - | - |
| Suppliers440/4 | €194 | - | - | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | -€4,750 | -€2,990 | -€3,110 | -€2,979 | -€2,528 | ▲ 15.1% |
| + Depreciation and write-downs630 | €393 | - | - | - | - | - |
| Operating cash flow (approximation) | -€4,357 | -€2,990 | -€3,110 | -€2,979 | -€2,528 | ▲ 15.1% |
| Investment in fixed assets (approximation) | - | €0 | €0 | €0 | €0 | - |
| Change in cash | - | -€1,826 | -€343 | -€64 | -€15 | ▲ 76.6% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
30-07
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
2025
30-07
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
2024
22-06
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
2023
22-01
NBB filing
Annual accounts filed
fiscal year 2022 · full schema
2022
19-05
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
2021
06-11
NBB filing
Annual accounts filed
fiscal year 2020 · full schema · 98 days late
2020
31-12
Financial
Weakest financial yearnet -€8,649
Net result drops to -€8,649, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity times 8current ratio 856.17
Current ratio from 102.27 to 856.17; short-term debt falls from €860 to €93.
28-07
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2019
20-06
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2018
19-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
03-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
We have established no sitting directors for this company. We derive directors from published Gazette acts; while there are none, or none read, nothing appears here. That does not mean the company has none: the CBE keeps its own list of function holders, which we do not read.
Location & real-estate footprint
Registered office, Ans · 1 establishment unit since 1989
Ground area
152 m²
Building footprint
58 m²
Volume, LiDAR
553 m³
Parcel 62001B0558/00F002, Wallonia · tallest building 11.1 m, ±3 floors. Linked by address, not a title deed.
1 establishment unit
Rue du Sart 4, 4432 Ans
since 19892.043.273.524
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 62001B0558/00F002 | Wallonia | 152 m² | 1 · 58 m² | 11.1 m · 3 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 7,326 companies in sector 68110 we hold annual accounts for 5,390. 2,502 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formCoöperatieve vennootschap met beperkte aansprakelijkheid
Founded07-04-1989
Fiscal year end31-12
Activities, NACEBEL 2025
68110Buying and selling of own real estate
68201Renting and operating of own or leased residential real estate, excluding social housing
E-invoicing
Reachable via Peppol
Peppol ID
0208:0437124857
Registered
19-01-2026
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 28 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.